Can Bank of China Bank of China E Loan be repaid at any time?

The e-loan limit can be borrowed and repaid at any time, allowing customers to withdraw and repay the loan within the limit amount at any time (early repayment is not allowed on the borrowing date of a single loan.)

Multiple withdrawals can be made under the quota, and a single loan can be repaid in advance, and there is no early repayment fee except interest. After early repayment, the limit can be restored on the same day, and if the limit is not restored on the same day, it can be checked again the next day.

When the quota expires, the unexpired loans under the quota can continue to exist and will be automatically deducted from the customer's bound repayment card until the maturity date of the loan, but no further withdrawal can be made after the quota expires.

The above content is for your reference, and the actual business regulations shall prevail.

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You can repay the loan in advance, and the repayment supports partial principal early repayment and full principal repayment. Early repayment is not possible on the day of the borrowing date.

BOC e-Loan supports partial principal repayment in advance. When repaying part of the repayment, you can enter the principal amount to be repaid, and the system will automatically calculate the interest generated by the proposed repayment from the loan date to the early repayment date. Interest will still accrue on the remaining principal after early repayment at the original interest rate.

Interest on early repayment is calculated based on the amount repaid, the number of days borrowed, and the interest rate on the day of borrowing (360 APR shown to you).

You can choose to log in to mobile banking and personal online banking channels to repay the Bank of China e-Loan actively, or you can wait for batch deduction. When making a bulk debit, you should deposit sufficient funds in your repayment account. The BOC system will make batch deductions before 5 a.m. and around 5 p.m.

The above content is for your reference, and the actual business regulations shall prevail.

Extended Materials. 1) The application conditions for BOC e-loan are as follows:

1. The applicant is a high-quality customer of Bank of China, such as payroll customers, wealth private bank customers, housing loan customers, provident fund payment and social security tax customers, etc.;

2. The purpose of the loan can only be used for personal reasonable consumption such as home improvement, car purchase, education, medical care, etc., and cannot be used for investment or illegal fields;

3. The personal central bank has good credit and no bad credit stains.

2) How long does it take to approve an e-loan from BOC?

Generally speaking, the approval result of BOC e-loan will come out within a few minutes, and the longest will not exceed one day.

Customers who have financial assets such as deposits, wealth management products or housing loans are more likely to be approved by BOC e-Loan.

3) How to unfreeze the Bank of China e-loan line freeze.

The reason why the Bank of China e-loan line needs to be frozen is that if the salary payment is zero for more than 3 months and the personal credit is overdue, then it is necessary to solve the problem and then apply for unfreezing. If there is a late repayment in the process of using the Bank of China e-Loan, then you need to pay off the arrears, and then call the customer service of the Bank of China e-Loan**, and then explain the reason for the overdue to the customer service, and then apply for unfreezing.

BOC e-Loan can be repaid in advance.

operation, repayment supports partial principal early repayment and full principal repayment. When repaying part of the loan, you can enter the principal amount to be repaid by Liqiao, and the system will automatically calculate the interest generated as of the early repayment date, and the unpaid part of the loan principal will also be calculated and deducted when the early repayment is made, and the early repayment can be operated multiple times. Interest will still accrue on the remaining principal after early repayment at the original interest rate.

Note: Because bulk files run overnight, it is not recommended that you make an early payment between 10 p.m. and 7 p.m. the next day. Early repayment cannot be made on the day of the loan, and repayment can only be made on the next day.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

Bank of China Bank of China e-loan credit loan repayment:

There are two types of repayment for the "Line of Credit" product:

1. Normal repayment: On the maturity date of interest or principal, for the outstanding loan, the system will automatically deduct the funds from the enterprise's contracted repayment account to repay the loan, and the interest will be automatically deducted on the 21st of each month, and the principal will be automatically deducted at one time on the maturity date of the loan amount.

2. Early repayment: Enterprises and their legal representatives can log in to the corporate online banking, corporate mobile banking, and personal mobile banking respectively to repay the loan in advance. If the amount is withdrawn on the same day, it cannot be repaid on the same day.

For early partial repayment, the loan interest shall be calculated on a daily basis according to the number of days the loan is occupied, and all interest receivable up to the date of early repayment shall be charged on the early repayment date.

The above content is for your reference, and the actual business regulations shall prevail.

Handle related business.

BOC e-Loan is a revolving loan, the validity period of the loan amount is 12 months, and the user can borrow and repay at any time during the limit period, and there are two main repayment methods:

Mobile banking repayment: Directly ** and log in to the "Bank of China Mobile Banking App", find "My Loan", you can display the relevant information of personal loans, and users can repay directly through mobile banking;

Repayment over the counter: Bring your personal ID and loan contract to the counter of Bank of China outlets to complete the repayment procedures.

Extended information: 1. The repayment method of Bank of China e-loan is related to the loan term, and after the loan term is selected, the repayment method will be set by default by Minzhao system. The term of the loan is 1-3 months, and the repayment method is a lump sum repayment of principal and interest when due; The term of the loan is 4-12 months, and the repayment method is monthly interest repayment and principal repayment at maturity.

Therefore, users can choose the loan term according to the repayment method. In general, both repayment methods require users to have strong repayment ability, and users need to repay the principal in a lump sum in the last installment.

2. Borrowers can log in to Bank of China's mobile banking and online banking to repay actively, and can also wait for batch deductions. When deducting in batches, you need to deposit enough funds in the repayment account, and the general banking system will deduct the loan in batches before 5 a.m. and 5 p.m. on the left bridge and on the right.

3. There are many ways to repay the e-loan of Bank of China, which can be repaid by credit card or Alipay. There is no restriction on the choice of e-Loan. You can choose the right solution according to your needs.

Debit cards are also a type of bank card, which can be bound as long as there is a repayment function. Open the homepage, click Bank of China e-Loan, complete the registration as required, and bind the debit card of Bank of China at the same time. Once you have successfully registered, click Activate.

To successfully activate, you need to fill in the **Sign Agreement and submit the loan application at the same time. After the online review is passed, click Withdraw. Pay attention to select the loan purpose, amount, and term, enter the mobile phone number and dynamic password, and the loan amount will reach the bound Bank of China debit card.